Canada’s 32 Best Credit Card Offers for March 2024

If you’re in the market for a new credit card, it’s important to consider the welcome bonus that the credit card is offering. This is a one-time incentive to encourage you to apply for the card, only available in your first year with the card.
The signup bonus is a big part of the value you’ll get from a new credit card, above and beyond its core features, at least in the first year. Often the signup bonus will influence your decision to apply, perhaps even more strongly than the card’s other qualities.
Here are the best credit card offers in Canada for March 2024.
What’s Happening This Month?
As is typical, February was a fairly quiet month on the credit card front. However, March is set to be much busier, with huge offers ending and the official loss of one of Canada’s longstanding best credit cards.
Here’s a summary of some of this month’s highlights, including elevated bonuses and key deadlines to be aware of:

American Express debuted excellent offers on its pair of Marriott Bonvoy co-branded credit cards, which run until May 6, 2024.
TD ‘s all-time high welcome bonus on the TD First Class Travel ®  Visa Infinite * Card expires on March 4, 2024.
The best-ever offer on the WestJet RBC® World Elite Mastercard runs until March 14, 2024.
As a reminder, you have until March 4, 2024 to earn double or triple refer-a-friend bonuses on many American Express cards. 
The HSBC World Elite Mastercard will soon be gone forever, as the transition to RBC products will be completed by the end of the month.

Methodology
This list is an opinionated ranking of the best credit card offers in Canada, based on a few key factors that we use to evaluate the appeal of a signup bonus .
First and foremost, we look at the net value you can expect to earn when you apply for the card. This is the value of any first-year bonuses, rebates, and deals, minus annual fees. Rewards points are adjusted to a cash value based on our Points Valuations .
Next, we consider how easy it is to earn the welcome bonus. Cards may get a boost for a low spending requirement, or a long timeline to meet the spending threshold to qualify for the bonus. Meanwhile, they may get dinged for a high spending requirement, merchant category spending requirements, or drawn-out recurring monthly requirements.
All else being equal, we prefer cards with low annual fees. Any card with a first-year annual fee waiver, offering a bonus above a certain value, is a candidate for this list. However, the total first-year value of the offer is a bigger factor, as you can earn points faster and still come out ahead by paying high annual fees for cards with larger signup bonuses.
Finally, we may give a card a slight boost if its offer is significantly better than usual, or if we like the long-term features of the card. However, this list is mostly determined by what you can gain in the first year with a new credit card, compared to other deals available now.
Business Platinum Card from American Express
Not surprisingly, the Business Platinum Card from American Express remains among the cream of the crop.
Currently, the card offers Canada’s most sizeable total welcome bonus: 80,000 points upon spending $15,000 in the first three months, and another 40,000 in the second year.
While this premium Amex card comes with a high annual fee of $799, it’s offset by the value of the large signup bonus alone.
Plus, you may even find long-term value in keeping the card thanks to its best-in-class perks, including extensive lounge access , comprehensive travel insurance , $200 annual travel credit , and generous refer-a-friend bonuses . 
In fact, you’ll need to keep it into the second year to earn the second portion of the welcome bonus, which is sizeable enough to warrant consideration.
The current total offer is less than the all-time high we saw in Summer 2022, but it’s also better than what we’ve seen since.
If you’re looking to rack up points quickly, the Business Platinum Card from American Express is without a doubt a great place to start, as long as you can meet the beefy minimum spending requirement.




Business Platinum Card from American Express










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First-Year Value: $1,574







Earn 80,000 MR points upon spending $15,000 in the first three months
Plus, earn  40,000 MR points  upon making a purchase in months 14–17 as a cardholder
And, earn 1.25x MR points on all purchases
Also, receive a $200 annual travel credit
Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
Credits and rebates for business expenses throughout the year with Amex Offers
Bonus MR points for referring family and friends
Qualify for the card as a sole proprietor
Annual fee: $799






American Express Business Gold Rewards Card
The American Express Business Gold Rewards Card is also offering a very strong bonus, and it comes with a smaller $199 annual fee to boot.
At 75,000 Membership Rewards points, this offer is the standard high-water mark for this card.
It’s simple to earn the bonus, with a spending requirement of $5,000 in three months on any category of purchases. With the offers on other Amex cards down while the Business Gold stays high, now would be a good time to add this one to your collection.




American Express Business Gold Rewards Card










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First-Year Value: $1,561




Earn 70,000   75,000 MR points upon spending $5,000 in the first three months
Plus, earn 10,000 MR points in each calendar quarter you spend $20,000
Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
Enjoy the exclusive benefits of being an American Express cardholder
Bonus MR points for referring family and friends
Annual fee: $199






American Express Gold Rewards Card
Earning the full welcome bonus of 70,000 MR points on the Gold Rewards Card requires you to spend $1,000 each month, for the first 12 months. The total amount you need to spend is less than on the Business Platinum and more than the Business Gold, and you’ll need to keep track of it every month.
The 10,000 points earned upon spending $4,000 in the first three months isn’t great, but the total welcome bonus over the year adds up, and is undoubtedly attractive.
On the other hand, since you’ll have to spend at least $13,000 spread out over the first year, you’d probably be better off looking elsewhere, especially if you can get more points sooner with a smaller spend with the Business Gold.
However, if you’re somebody who tends to max out the 5x earning rate on your Cobalt every year, then this could serve as a decent backup.




American Express Gold Rewards Card










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First-Year Value: $1,676




Earn 10,000 MR points upon spending $4,000 in the first three months
Plus, earn an additional  5,000 MR points upon spending $1,000 in each of the first 12 months, up to 60,000 MR points
Also, receive an annual $100 travel credit and a $50 NEXUS credit
Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
Plaza Premium membership with four annual lounge passes
Credits and rebates for daily expenses throughout the year with Amex Offers
Bonus MR points for referring family and friends
Annual fee: $250






American Express Business Edge Card
With a low annual fee of $99, this card is a good option if you’re looking to rack up points at a low cost.
Still, you’ll face the same $5,000 spending requirement as the Business Gold Rewards Card, but with a smaller welcome bonus.
Note that you’ll need to sustain spending of $3,000 per month to earn the final 12,000 MR points, a prospect which I’d recommend forgoing in favour of better ways to earn points on other cards.




American Express Business Edge Card










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First-Year Value: $1,419




Earn 45,000 55,000 MR points upon spending $5,000 in the first three months
Plus, earn an additional 1,000 MR points for each of the first 12 months in which you spend $3,000, for an additional 12,000 MR points
Also, earn 3x 10x MR points on food and drinks, ridesharing, gas, office equipment, and electronics, up to an additional 10,000 MR points
Transfer MR points to Aeroplan, Avios, or Marriott Bonvoy
Enjoy the exclusive benefits of being an American Express cardholder
Bonus MR points for referring family and friends
Annual fee: $99





American Express Platinum Card
The personal Platinum Card is currently offering a solid welcome bonus of 100,000 Membership Rewards points.
As we saw with the Business Platinum, you’ll earn the lion’s share in the first year, with the second batch awarded after you’ve paid the $799 annual fee once more.
However, there’s a fairly hefty spending requirement of $10,000 in the first three months to earn 70,000 points. If that doesn’t pose a barrier, then now could be a good time to add a chunk of metal to your wallet.
The offer isn’t the highest we’ve ever seen, but a the range of ongoing benefits on this card, you may also find value in keeping it around for a while.
As a cardholder, you’ll get a $200 dining credit and a $200 annual travel credit to use each year, in addition to the regular carousel of Amex Offers .




American Express Platinum Card










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First-Year Value: $1,361







Earn 70 ,000 MR points upon spending $10,000 in the first three months
Plus, earn  30,000 MR points  upon making a purchase in months 14–17 as a cardholder
Also, earn 2x MR points on all dining and travel purchases
Also, receive an annual $200 travel credit
Also, receive an annual  $200 dining credit
Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
Credits and rebates for daily expenses throughout the year with Amex Offers
Bonus MR points for referring family and friends
Annual fee: $799






RBC ® Avion Visa Infinite †
After a brief reprieve with a lower welcome bonus, the latest offer matches the card’s record-high welcome bonus.
A generous allotment of points is awarded upon approval, and then you have a very reasonable six months to spend $5,000 for the second part of the welcome bonus.
While you’ll earn more points more quickly on day-to-day spending with Amex cards and Aeroplan points, RBC ® Avion cards are a great way to expand into the Oneworld airline alliance.
You can use your Avion points to supplement your Amex MR transfers to British Airways Avios or Cathay Pacific Asia Miles , or for the unique ability to convert to American Airlines AAdvantage miles . You can also find value in the Air Travel Redemption Schedule . 




RBC® Avion Visa Infinite†










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First-Year Value: $1,080




Earn 35,000 RBC Avion points † when you get approved for the card
Plus, earn  20,000 RBC Avion points † upon spending $5,000 in the first six months
Earn 1.25x RBC Avion points †  on qualifying travel purchases
Transfer RBC Avion points to British Airways Executive Club and other frequent flyer programs for premium flights †
Redeem Avion points for flights with the RBC Air Travel Redemption Schedule †
Minimum income: $60,000 personal or $100,000 household
Annual fee: $120 †






RBC ® Avion Visa Platinum †
If your income doesn’t qualify for the RBC ® Avion Visa Infinite † , you can also apply for the RBC® Avion Visa Platinum † , with the same offer and perks.




RBC® Avion Visa Platinum†










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First-Year Value: $1,080




Earn 35,000 RBC Avion points † when you get approved for the card †
Earn  20,000 RBC Avion points †   upon spending $5,000 in the first six months †
Earn 1 RBC Avion point per dollar spent † on all purchases
Transfer RBC Avion points to British Airways Executive Club and other frequent flyer programs for premium flights †
Redeem RBC Avion points with the RBC Air Travel Redemption Schedule †
No minimum income requirement
Annual fee: $120 †






RBC ® British Airways Visa Infinite †
RBC ® has a boosted offer on its British Airways co-branded card. While the value is quite strong, the spending requirement is higher and on a shorter timeframe than the Avion cards.
Also, Avios are harder to use and more restrictive than Avion points. As Avion can be transferred 1:1 to Avios, I’d always opt for flexibility first, and only apply for the more limited card after exhausting other options.




RBC® British Airways Visa Infinite†










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First-Year Value: $899




Earn 15,000 Avios † when you get approved for the card
Then, earn 25,000 35,000 Avios † when you spend $6,000 in the first three months
Also, earn 10,000 Avios † when you renew the card for a second year
Plus, earn 1x Avios † on all purchases
Get a Companion Award eVoucher for an Avios redemption on British Airways flights upon spending $30,000 in a calendar year †
Annual fee: $165 †






RBC ® Avion Visa Infinite Privilege †
Like its junior counterparts, RBC’s top-tier Avion card is offering up to 55,000 Avion points as a welcome bonus.
This card is knocked down the list for offering the same number of points at a higher annual fee. It’s still an okay value proposition despite the increased costs, but it wouldn’t be my first choice for an Avion card at this time.




RBC® Avion Visa Infinite Privilege†










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First-Year Value: $826




Earn 35,000 RBC Avion points† when you get approved for the card†
Then, earn 20,000 RBC Avion points†  upon spending $5,000 in the first six months †
Plus, earn 1.25x RBC Avion points † on all qualifying purchases
Use your rewards for any business class flight with no restrictions on dates, seats, or airlines †
Transfer points to one of four airline partners †
DragonPass membership with six free lounge visits per year †
Minimum income: $200,000 personal or household†
Annual fee: $399 †






TD First Class Travel ® Visa Infinite * Card (Ending Soon)
TD’s in-house rewards cards make for a great stat-padder when you’re looking for general travel value outside of airline or hotel loyalty programs.
The previous offer on the TD First Class Travel ® Visa Infinite * Card was for 115,000 TD Rewards Points in the first year; however, the current offer has boosted that to up to match the record-high of 135,000 TD Rewards Points, † with an annual fee rebate in the first year.
That’s worth a fixed value of up to $675 towards any travel booking via Expedia ® for TD † . Bear in mind that the spending requirement is a bit higher than what we’ve seen before, at $5,000 spent in the first six months.
However, you’ll also get a $100 annual travel credit † , which goes a long way to improving the value proposition on the card, whether in the first year or long-term.
The offer for this card ends on March 4, 2024,  which doesn’t leave much time to take advantage.




TD First Class Travel® Visa Infinite* Card










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First-Year Value: $825







Earn 20,000 TD Rewards Points upon making your first purchase †
Earn  115 ,000 TD Rewards Points upon spending $5,000 in the first 180 days †
Plus, earn up to 10,000 TD Rewards Points back on your birthday †
Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
Use your rewards for any travel bookings available on Expedia ® for TD †
Minimum income: $60,000 personal or $100,000 household
Annual fee: $139, rebated for the first year †





American Express Aeroplan Business Reserve Card
The latest offer on the business variant of Amex’s premium Aeroplan card has a high monthly spending requirement to unlock the first batch of points, and you’ll have to pay for supplementary cardholders to get a further boost.
You’ll also have to pay the annual fee twice, and spend an additional $9,000 in three months during the second year, to unlock the full value of the welcome bonus.
Overall, you’re presented with a rather onerous task of extracting value from the card with this offer. It’s a lot of work for 55,000 Aeroplan points in the first year, so your efforts are likely better spent elsewhere for the time being.




American Express Aeroplan Business Reserve Card










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First-Year Value: $819




Earn 7,500 Aeroplan points upon spending $3,000 in each of the first six months, up to 45,000 Aeroplan points
Plus, earn a further 5,000 Aeroplan points upon adding a supplementary card with an annual fee at the time of application, up to 10,000 Aeroplan points
Plus, earn a further 45,000 Aeroplan points upon spending $9,000 in months 13–16
Also, earn 3x Aeroplan points on Air Canada purchases
Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights
Unlimited Air Canada Maple Leaf Lounge access
Bonus Aeroplan points for referring family and friends
Qualify for the card as a sole proprietor
Annual fee: $599






Marriott Bonvoy Business American Express Card
This month, the Marriott Bonvoy Business American Express Card saw a boost in its ranking, thank to an excellent new offer.
The business variant of Amex’s Bonvoy cards ranks higher than the personal card thanks to a higher welcome bonus and a higher minimum spending requirement.
Plus, it’s worth holding onto for the long-term, due to the Free Night Award you’ll enjoy as an annual benefit in exchange for a reasonable annual fee.
This offer is available through to May 6, 2024.




Marriott Bonvoy Business American Express Card










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First-Year Value: $750




Earn 75,000 Bonvoy points upon spending $6,000 in the first three months
Plus, earn an extra 2 points per dollar spent on eligible gas, dining, and travel purchases in the first six months, up to 15,000 points
Always earn 5x Bonvoy points on purchases at Marriott properties
Also, receive an annual Free Night Award worth 35,000 Bonvoy points  starting in your second year with the card
Also, receive 15 elite-qualifying nights every year and automatic Marriott Bonvoy Silver Elite status
Bonus Bonvoy points for referring family and friends
Qualify for the card as a sole proprietor
Annual fee: $150






TD ® Aeroplan ® Visa Infinite * Card (Ending Soon)
The TD ® Aeroplan ® Visa Infinite * Card is routinely one of our favourite mid-tier Aeroplan cards.
The latest offer for up to 40,000 Aeroplan points † is down from the all-time-high welcome bonus of up to 70,000 Aeroplan points for Summer 2023. While the spending requirement is high, it’s also spread out over a full year, so you should have no trouble reaching it.
In order to receive the third dose of points, you’ll need to pay the annual fee for the second year † . However, this offer comes with an annual fee rebate for the first year, † and even then, the boost in points should make it worthwhile for the second year, too.
This offer ends on March 4, 2024.




TD® Aeroplan® Visa Infinite* Card










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First-Year Value: $735







Earn 10,000 Aeroplan points † upon first purchase †
Plus, earn 20 ,000 Aeroplan points † upon spending $5,000 in the first 180 days of account opening †
Plus, earn an additional 10,000 Aeroplan points † on renewal when you spend $7,500 within 12 months of account opening †
Earn 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
Preferred Aeroplan pricing and free checked bags on Air Canada ® flights †
Minimum income: $60,000 personal or $100,000 household
Annual fee: $139, rebated for the first year †





Marriott Bonvoy American Express Card 
The Marriott Bonvoy personal card is currently offering an elevated bonus of up to 85,000 Bonvoy points. 
If you’re eligible, this is a great opportunity to pad your Bonvoy balance for an upcoming aspirational redemption.
Your best bet is to maximize the welcome bonus and then burn the points on a valuable redemption as quickly as possible. Then, keep it in the sock drawer for the 35,000-point Free Night Award each year.
As with its business counterpart, this offer runs through to May 6, 2024.




Marriott Bonvoy American Express Card










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First-Year Value: $642







Earn 70,000 Bonvoy points upon spending $3,000 in the first three months
Plus, earn an extra 3 Bonvoy points per dollar spent on eligible travel and gas purchases in the first six months, up to 15,000 points
Also, receive an annual Free Night Award worth 35,000 Bonvoy points  starting in your second year with the card
Also, receive 15 elite-qualifying nights every year and automatic Marriott Bonvoy Silver Elite status
Bonus Bonvoy points for referring family and friends
Annual fee: $120






American Express Aeroplan Card
The American Express Aeroplan Card is yet another mid-tier Amex card with a respectable welcome bonus.
Despite its lower annual fee, there’s a modest monthly spending requirement, which may be a minor hassle to track for limited gain.
While the value of the offer is quite strong, I’d sooner choose an MR card to earn flexible points in a more straightforward manner, or another Aeroplan card with a simpler structure.




American Express Aeroplan Card










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First-Year Value: $720




Earn 3,000 Aeroplan points upon spending $1,000 in the each of the first ten months, up to 30,000 points
Plus, earn a further 15,000 Aeroplan points upon making a purchase in months 14–17
Always earn 2x Aeroplan points on Air Canada purchases
Aeroplan preferred pricing, free checked bag on Air Canada flights
Bonus Aeroplan points for referring family and friends
Annual fee: $120






TD ® Aeroplan ® Visa Infinite Privilege *